Search found 5670 matches

by Dottie57
Sat Apr 20, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 19
Views: 1923

Re: Is Crown Molding Out-of-Style?

I was looking at new build model homes today and noted that none, including the high end builders, had crown molding. Is this an upgrade worth spending money on, or is it considered out-of-style? It is out of style because of cost. It takes time and effort to install. And then there is extra mainte...
by Dottie57
Sat Apr 20, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Advice on non warrantable condo in Bellingham
Replies: 16
Views: 1233

Re: Advice on non warrantable condo in Bellingham

I am surprised that one owner can capture the HOA. My condo association has 350-400 units. There are 14 board member - 1 for each of 7 buildings. The president and treasurer come from members of the board. These individuals don’t have total control of money. All members should have copies of the bud...
by Dottie57
Sat Apr 20, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 17
Views: 3943

Re: Vanguard kicking butt with Target Date Funds

retire2022 wrote:
Thu Apr 18, 2019 7:58 pm
op thanks for the headline, I wish my 457b board would read that article.
Send it to them!
by Dottie57
Sat Apr 20, 2019 1:52 pm
Forum: US Chapters
Topic: Minnesota BH Main Meeting 4/20/19
Replies: 4
Views: 479

Re: Minnesota BH Main Meeting 4/20/19

Great Meeting. Themain topic was informative and hilarious (at times)


Thanks to the organizers and moderators.
by Dottie57
Sat Apr 20, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 32
Views: 2500

Re: DW worried about What if ...? Wishes to pay off mortgage

You need to get a will completed, outlining who would care for your child if something were to happen. That should be job #1. Term life insurance to provide financial support for the child is #2. I think paying off the mortgage is a fine idea. But not really a plan for your child if you both were t...
by Dottie57
Sat Apr 20, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 37
Views: 1758

Re: Apple MacBook Air - what to do next.

Any idea as to the ease of opening this up and putting a new one in? I really am clueless, don't even own any tools. But thanks I am pretty sure you can pay Apple to put in a new battery. Call support or go to the Genius Bar. Back it up and remove sensitive data before doing so. I like my MacBook A...
by Dottie57
Fri Apr 19, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 3796

Re: Need vacuum recomendations

I have a Riccar which I like.
by Dottie57
Fri Apr 19, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 50
Views: 1679

Re: In search of a dishwasher that dries plastics well...

Wanna bet that Bezos doesn't any longer? The article is from December of 2018. Point? "I do the dishes every night. I'm pretty convinced it's the sexiest thing I do," Bezos joked in a 2014 interview. "I do the dishes every night," Gates similarly revealed on a Reddit AMA the same year. Most people ...
by Dottie57
Fri Apr 19, 2019 2:04 pm
Forum: Personal Investments
Topic: Fire my financial advisor now or later? (recent windfall help needed)
Replies: 44
Views: 3262

Re: Fire my financial advisor now or later? (recent windfall help needed)

Please don’t let anyone talk you into An AUM (assets under management) arrangement. No front loads or 12b-1. Advisors don’t have a secret sauce to pour on your investments to ensure better results. You don’t owe anyone an answer. You should learn to say a “No” with finality in your voice. Answer any...
by Dottie57
Fri Apr 19, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 61
Views: 3445

Re: American Funds vs Vanguard

American Funds is a well respected but active management company. I have their Europac fund in my 401k with an ER of 0.49. Overall they are one of the better active management fund companies. The only thing I have against them is the front load and perhaps 12b-1 fees. They did fine in my IRA during...
by Dottie57
Fri Apr 19, 2019 1:21 pm
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 78
Views: 14720

Re: How and when did you do it - to get to 1 Million

I think it's simple and ... fairly boring. 1) Pick an asset allocation -- 60% stocks/40% bonds, or anything else within the parameters of 70/30 (bonds or stocks, your choice.) 2) Put 10% of your earnings into investment/tax advantaged accounts every week. Put in more if you can afford it. 3) Don't ...
by Dottie57
Fri Apr 19, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 2944

Re: At what point would you hire someone vs. cut down a tree yourself?

dm200 wrote:
Fri Apr 19, 2019 12:39 pm
If the tree is more than two inches in diameter or so, always hire someone - who has all the insurance coverage (liability, workers comp, etc.)
It is rather amazing to watch people who are efficient in this area. Let someone else do it.
by Dottie57
Thu Apr 18, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 39
Views: 3906

Re: Not Maxing 401K OK?

I maxed my 401k and not a Roth for a long time. It was easier for me to make a one time decision which was enforced by payroll deduction.

Using traditional 401k for current tax benefits gave each major push to put $ into retirement.
by Dottie57
Thu Apr 18, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 76
Views: 4492

Re: When did you start spending more and saving less?

Tycoon wrote:
Thu Apr 18, 2019 2:29 pm
The day after I retired.
+1

Not saving anymore. Spending about the same or a bit less.
by Dottie57
Thu Apr 18, 2019 1:13 pm
Forum: Personal Investments
Topic: Investment option aside from 401k.
Replies: 21
Views: 1245

Re: Investment option aside from 401k.

If the goal is a "more or less stock market diverse portfolio", then: 1) in the old 401k sell T. Rowe Price New Horizons (PRNHX) and put everything into iShares Total US Stock Market Idx Inv A (BASMX); 2) in the new 401k sell Vanguard Small Cap Value Index Inv (VISVX) and put everything into Nation...
by Dottie57
Wed Apr 17, 2019 8:13 pm
Forum: Personal Investments
Topic: Retirement Advice - Annuity or Not? RMD?
Replies: 27
Views: 1376

Re: Retirement Advice - Annuity or Not? RMD?

So if you put in $100,000, but only get $50,000 in payments... but die, the heirs would get $50,000. That's how I read it. That might be a good balance. Ah but the original thought was I will put say $100k in and get $500 a month for life. Now I get this cash back annuity so my wife/heirs will get ...
by Dottie57
Wed Apr 17, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - How Secure?
Replies: 28
Views: 1453

Re: Social Security - How Secure?

What I personally do is discount what the formulas say by 25% starting in 2032. That's what will happen, maybe a couple of years later, maybe a couple of percent less, under the law as it stands today. I won't be surprised if Congress changes the law somewhere before then, and probably I won't lose...
by Dottie57
Wed Apr 17, 2019 5:07 pm
Forum: Personal Investments
Topic: Retirement Advice - Annuity or Not? RMD?
Replies: 27
Views: 1376

Re: Retirement Advice - Annuity or Not? RMD?

So your expenses are 3k. Income is - Pension and SS: $1640 -Annuity 1 (Guaranteed withdrawal): $582 Total income is 2222. So you need 778 more. Either your current annuity or new SPIA would create that income. How much fluff is in your 3k expenses? It looks like you don’t have much in retirement acc...
by Dottie57
Wed Apr 17, 2019 4:59 pm
Forum: Personal Investments
Topic: Retirement Advice - Annuity or Not? RMD?
Replies: 27
Views: 1376

Re: Retirement Advice - Annuity or Not? RMD?

If you cash out and put money into a single payment individual annuity the highest amount you get today is $842 per month with cash refund (subtract payment from premium and a positive amount is given to estate on death) if calculated amount is negative - no cash refund). You cannot get your money b...
by Dottie57
Wed Apr 17, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: "Putting a Value on Your Value"
Replies: 7
Views: 704

Re: "Putting a Value on Your Value"

Paisley wrote:
Wed Apr 17, 2019 4:03 pm
Has anyone read Vanguard's paper on "Putting a Value on Your Value" which discusses the "alpha" of a financial advisor (which they say is around 3%).
If so, any thoughts? Is 3% overvaluing / undervaluing an advisor?
Do you have a link? I have not read it.
by Dottie57
Wed Apr 17, 2019 4:30 pm
Forum: Personal Investments
Topic: Investment option aside from 401k.
Replies: 21
Views: 1245

Re: Investment option aside from 401k.

If the goal is a "more or less stock market diverse portfolio", then: 1) in the old 401k sell T. Rowe Price New Horizons (PRNHX) and put everything into iShares Total US Stock Market Idx Inv A (BASMX); 2) in the new 401k sell Vanguard Small Cap Value Index Inv (VISVX) and put everything into Nation...
by Dottie57
Wed Apr 17, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12343

Re: Can I semi-retire now?

Op,

I assume you will pick up the household duties your wife took up. You will have to multi task . I mention this because I had friends where dad stayed home and wife worked. Didn’t work, dad could not get more than one thing done at a time.
by Dottie57
Wed Apr 17, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7725

Re: I’m a Loser Stuck in a Dead End Job

jacksonm wrote:
Wed Apr 17, 2019 10:50 am
Doesn't sound like the story of a loser to me.
I agree. I had 10k ef and no retirement at 30.

You just need to concentrate on your work life. It is hard work. Maybe spen $$ on a career counselor. A friend did that and it helped.
by Dottie57
Wed Apr 17, 2019 10:16 am
Forum: Personal Investments
Topic: Why buy a CD with a brokerage firm?
Replies: 17
Views: 1171

Re: Why buy a CD with a brokerage firm?

In no particular order... - wider range of lengths of CDs available. - amounts over $250,000 easy to accommodate to ensure FDIC protection is applicable. - simplicity, no opening additional financial accounts as you try to find best rate every time you invest in a CD. - ease of administering your p...
by Dottie57
Wed Apr 17, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1916

Re: Am I getting the runaround from my dentist?

I see the issue here. Basically you pay the dentist directly, his/her office files a claim on your behalf and you receive a check from the insurance. So the dentist has no skin in it and it may not be his/her office's top priority to fix it. I would call the insurance company. I ended up changing d...
by Dottie57
Wed Apr 17, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1916

Re: Am I getting the runaround from my dentist?

Amazing how different dentists work. The process at my dentist is: For a cleaning I pay nothing until claim s processed. For dental work, the dental office estimates insurance payment. I pay the part not covered immediately. I get a statement/bill/refund when claim is processed. Maybe a different de...
by Dottie57
Wed Apr 17, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job to Spend Time with Disabled Spouse?
Replies: 13
Views: 1807

Re: Leave Job to Spend Time with Disabled Spouse?

I really agree with Research Med.

Make sure you don’t lose your own social support with co-workers. Perhaps outside help would give your husband more people time too.
by Dottie57
Wed Apr 17, 2019 8:27 am
Forum: Personal Investments
Topic: Financial Advisor Issues
Replies: 18
Views: 1373

Re: Financial Advisor Issues

I wish I had found this place earlier.

Three funds for other than Vanguard. Scroll up for Vanguard.

https://www.bogleheads.org/wiki/Three-f ... head-style

If I can do this, so can you.
by Dottie57
Tue Apr 16, 2019 10:16 pm
Forum: Investing - Theory, News & General
Topic: Home equity as % of AA
Replies: 41
Views: 2827

Re: Home equity as % of AA

My home is part of my net worth. It does not affect my allocation since. the purpse of my home is to live in it.
by Dottie57
Tue Apr 16, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: My life insurance company wants to "help me save money"
Replies: 26
Views: 2192

Re: My life insurance company wants to "help me save money"

Op,

Do you have a mortgage? If so, maybe a policy for paying it off upon death would be helpful. Otherwise it doesn’t sound like you have a big need.
by Dottie57
Tue Apr 16, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 139
Views: 11828

Re: Are RMDs that bad if you're not an over-saver?

And its threads like these which is why I'm shifting more of my contributions to my r457 and less to the t401K. While I greatly respect the smarts of the number crunching BH, when they advocate the t401K over the Roth they seem to always disregard behavior. Who in their right minds wants to be in t...
by Dottie57
Tue Apr 16, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Parents added siblings and I to house title, possible to undo without negative consequences?
Replies: 37
Views: 1559

Re: Parents added siblings and I to house title, possible to undo without negative consequences?

My recently retired parents sat my siblings and I down to go over their finances, ensure that we knew where/how to access their accounts in an emergency if need be, and review their wishes for what to do with their estate should they both become incapacitated or pass, as well as go over their will....
by Dottie57
Tue Apr 16, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6298

Re: What is your hobby and how did it come to be your hobby?

Hand weaving. I hadn’t done much for years, but am in process of setting up the loom room. I don’t make anything extraordinary but I enjoy the process. I like craft shows. One of my favorite people was a woman who makes gorgeous colorful rugs. I saw her looms during an open house — they were huge! W...
by Dottie57
Tue Apr 16, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5355

Re: What Are Your Simple Pleasures?

TheTimeLord wrote:
Tue Apr 16, 2019 10:32 am
telemark wrote:
Tue Apr 16, 2019 10:29 am
Shark wheels with Zealous bearings on my Penny Nickel.
Are you just randomly stringing words together?
I wonder too. :happy
by Dottie57
Tue Apr 16, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: "When Adding to Your Retirement Account is a Bad Idea"
Replies: 29
Views: 3761

Re: "When Adding to Your Retirement Account is a Bad Idea"

Just remember worrying about RMDs is a sign you have saved and invested well.

That being said I have eight years of Roth conversions lined up until I reach SS. Reducing RMDs is good for me. Did not enjoy paying estimated tax yesterday.
by Dottie57
Tue Apr 16, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5355

Re: What Are Your Simple Pleasures?

Nespresso espresso.

Reading newspaper on Sunday morning with pot of coffee.

Breakfast on my patio during warm weather. Birds tsinging in the trees.

Watching the birds at bird feeder. At mom’s.
by Dottie57
Mon Apr 15, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9640

Re: seriously thinking about leaving S. CA but where to?

Teague wrote:
Mon Apr 15, 2019 12:06 pm
Don Felder, Don Henley, and Glenn Frey settled this issue in 1976. You can check out, but you can never leave.
I always liked that.
by Dottie57
Mon Apr 15, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 84
Views: 5432

Re: After financial independence, do you play credit card bonus games?

We also only care about those big points bonus offers. A few hundred dollars isn't going to make a change in much of anything (we are blessed, to be sure, and worked/saved hard to get here - indeed, DH is still working by choice). But a 50k points bonus (better if more, but hard to find) is close t...
by Dottie57
Mon Apr 15, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 84
Views: 5432

Re: After financial independence, do you play credit card bonus games?

No.

I use one credit card for all in person purchases with 2% back. Another solely for internet purchases. Not searching for bonus points.
by Dottie57
Mon Apr 15, 2019 12:33 pm
Forum: Investing - Theory, News & General
Topic: DGRO White Papers
Replies: 2
Views: 295

Re: DGRO White Papers

Search using

malkiel on dividend growth stocks
by Dottie57
Mon Apr 15, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Conflicted about housing: Buy or keep renting?
Replies: 10
Views: 1429

Re: Conflicted about housing: Buy or keep renting?

About a year ago, we moved to a new city for my job. My plan is/was to give it max 5 years, and go back to city A Question: Is it logical to keep renting until we leave city B? If you are confident of your plan, I would keep renting. I would never purchase a house for just a 4 year duration. +1 Ano...
by Dottie57
Mon Apr 15, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Do You Give Money to Panhandlers?
Replies: 38
Views: 1824

Re: Do You Give Money to Panhandlers?

Sometimes, but not often.
by Dottie57
Mon Apr 15, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: Financial Priorities - List
Replies: 19
Views: 1777

Re: Financial Priorities - List

Fantastic input. This is an amazing community. A couple of questions regarding insurance: 1. Since for the general population (there are always outliers of course) term is pretty cheap, for that reason alone does it make sense to keep it near the top? 2. Is Perm Life helpful because it frees up ret...
by Dottie57
Mon Apr 15, 2019 9:25 am
Forum: Personal Investments
Topic: Shifting away from 100% stocks - how do you execute shift without timing?
Replies: 17
Views: 1145

Re: Shifting away from 100% stocks - how do you execute shift without timing?

Just sell a portion of your stocks and wait for it to settle. The purchase bonds . I have sold on an up day for stocks.

You just have to do it.
by Dottie57
Sun Apr 14, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 76
Views: 3831

Re: Women, How Much Do You Pay for Haircut

..... about $80 (which includes the tip) in the southeast, for the works of shampoo, rinse, cut, and dry....... Am probably going to regret asking this - but - when you include "rinse" here are you speaking of a color "rinse"? If so, that would cause a steeper price. OP Is the rinse a shampoo?
by Dottie57
Sun Apr 14, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Plan - Can Vendor Exchange Funds without Notice or Approval?
Replies: 6
Views: 488

Re: Retirement Plan - Can Vendor Exchange Funds without Notice or Approval?

I just received email notification of a change in plan. Aberdeen emerging markets is gone and Wellington emerging markets is taking its place. Money in Aberdeen is being Moved to Wellington in May.
by Dottie57
Sun Apr 14, 2019 3:42 pm
Forum: Personal Investments
Topic: Selling rental
Replies: 5
Views: 361

Re: Selling rental

stats99 wrote:
Sun Apr 14, 2019 3:39 pm
Dottie57 wrote:
Sun Apr 14, 2019 3:34 pm
If purchase price = sale price how can there be a capital gain?
I assume depreciation recapture?
Thank you. I know nothing about rentals! :happy
by Dottie57
Sun Apr 14, 2019 3:34 pm
Forum: Personal Investments
Topic: Selling rental
Replies: 5
Views: 361

Re: Selling rental

If purchase price = sale price how can there be a capital gain?
by Dottie57
Sun Apr 14, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: How much can I spend on a house?
Replies: 23
Views: 4243

Re: UPDATE: How much can I spend on a house?

quantAndHold wrote:
Sun Apr 14, 2019 10:41 am
You’re fine. Enjoy your new condo.
+1.
by Dottie57
Sun Apr 14, 2019 1:02 pm
Forum: Personal Investments
Topic: 401k Alloc & Investment Advice
Replies: 2
Views: 168

Re: 401k Alloc & Investment Advice

Vanguard Institutional funds are just a better ER than Admiral shares because the 401k has more invested. Institutional is never shown under the single investor funds. I don’t know how much you have invested and how it fits with SS. If preservation of investment (ups and downs smaller) then 50/50 is...